Many people’s financial plans emphasize frugality today for prosperity tomorrow.
Preparing for the future is much easier when we’re enjoying the present.
There are many good reasons to take a vacation – taking some time away from the stresses of work and daily life to focus on spending time engaging in stimulating (or relaxing) activities with family members and friends in a new setting can recharge your batteries. It will give you added perspective on your life and work, and you’ll return to your regular routine invigorated and more productive. And your health can be greatly improved.
Prolonged periods of work without a vacation have been shown to have numerous medical consequences – people who are “all work and no play” become irritable and inattentive, and are more likely to have accidents on the job. They are at higher risk of cardiovascular problems, depression, anxiety, and other illnesses, both physical and mental.
Your financial plan should be flexible enough that you don’t need to save every last dollar you make for retirement. Life is about balance, just like vacations are about balance. By helping you make wise budgetary decisions, you achieve a balance by making judicious investments – in both your financial future and your happiness today.
Working with a financial planner will help you need to determine your individual needs and wants (such as going away on a family vacation). The financial planner will also assist in developing a a financial plan that fits your personality, and investment goals.

“Welcome to Paradise”
If we ask the question, ‘Why open a business or live in Cyprus’ we get back the usual list of benefits that include the location, the climate, low crime rate etc.etc., and in general, the lifestyle certainly is hard to beat. On top of all that, a recent ‘Value Penguin’ survey ranked Cyprus as the 5th safest country in the world.
Inevitably, any such paradise that attracts so many decent people will also mean that greed and corruption would find its way in, and in Cyprus this caused devastation that fell only a little short of absolute destruction.
Fortunately, Cyprus now has a President that looks to the future and is making huge progress in overhauling the system that created this almighty mess. He appears to have faced up to the facts and is going head to head against damaging politics, high-level corruption and a bureaucratic system that was, and still is in places, bordering on plain stupidity!
So we can now add to the positives, that Cyprus is overhauling its Banking system, has changed the laws to create safety for those buying property and demonstrated that corruption will not be tolerated.
The government have also approved recent changes in the Tax laws that make Cyprus one of the best places in Europe to be in Business!
It is now possible for non-domiciled Cyprus residents to receive dividends without the payment of any tax, including the previously payable defence tax! Plus, under the current rules, if they structure things correctly, they can invest that money for their future and get tax-free growth and an income that is free of taxes!
As an example, a Russian or Chinese national, resident in Cyprus for tax purposes can have a share-holding in a Cyprus company that pays dividends to their offshore bank account, the dividends are paid free from tax. They can then invest that money in a tax efficient contract that will allow them to receive tax-free growth and the same account can then be used to pay them a regular income free of income tax.
That’s a lot of added tax benefits!
That might look like the Cyprus Government is favouring the foreigners, but consider the longer term impact of money circulating freely in the economy. It is a clever method of Quantitative Easing for the people! The Cyprus government gain taxes from the business and the local economy gets a direct boost from the added spending power.
In 2013 Cyprus may have died in a fire of its own making, but just like the Phoenix, it has risen from the ashes with new strength and vigour, and that might just secure its immortality in the business world.
So whilst ‘Transparency’ seems to be the word most used in finance these days, Cyprus certainly has a clear message: If you have any concerns over the safety of yourself, your family or your money… Don’t take Risks, put some proper planning in place and Move to Cyprus, it’s good for your health and your wealth!

Before you start applying for business credit, make sure you take the time to verify that all agencies, banks, and trade credit vendors have your business listed with the same Tax ID number.
Business address must be a real brick-and-mortar building, deliverable physical address cannot be a home address, cannot be a PO Box, and cannot be a UPS address. Some lenders will not approve and fund unless this criteria is met.
You must have a dedicated business phone number that is listed with 411 directory assistance, under the business name. Lenders, vendors, creditors, and even insurance providers will verify that your business is listed with 411.
You MUST use a business phone number, not a home or cell phone.You should get an 800 number and fax number. Voice over IP numbers are okay, you just can’t use a home phone or cell phone.
Credit providers will research your company on the internet and it is best if they learned everything directly from your company website. You should also have a professional email address such as.
These are super cheap and easy to setup. Not having either WILL make you look not credible.
You’ll need to contact the State, County, and City Government offices to see if there are any required licenses and permits to operate your type of business. Do not apply if you are unlicensed when you should be.
Take the time to verify that main agencies (State, IRS, Bank, and 411 national directory) have your business listed the same way and with your Exact Legal Name. Also take the time to ensure every bill you get (power bill, phone bill, landlord, etc.) has the business name listed correctly and comes to the business address.
Those accounts will then report to the business reporting agencies in 30-90 days or up to three reporting cycles.
Once reported you’ll then have a business credit profile. You’ll have a good business credit score as long as you paid your bills on time.
And you’ll have multiple tradelines.You’ll need to have five reported accounts to move on and start getting store credit, the next step in building business credit.
A vendor line of credit is when a company (vendor) extends a line of credit to your business on “Net 15, 30, 60 or 90″ day terms. This means that you can purchase their products or services up to a maximum dollar amount and you have 15, 30, 60 or 90 days to pay the bill in full.
So if you’re set-up on Net 30 terms and were to purchase $300 worth of goods today, then that $300 is due within the next 30 days.
Contact us today to learn more about building credit for your business!

Claiming a Tax Deduction for Medical and Dental Expenses
To understand what you can claim as a tax deduction, it is important to first understand what is deemed a medical expense through the eyes of the IRS. Medical expenses are the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and the costs for treatments, or prevention of disease, and the costs for treatments affecting any part or function of the body. These expenses include payments for legal medical services rendered by physicians, surgeons, dentists, and other medical practitioners. They also include the costs of equipment, supplies, and diagnostic devices needed for these purposes.
Medical expenses must be primarily to alleviate or prevent a physical or mental defect or illness. They do not include expenses that are merely beneficial to general health, such as vitamins or a vacation. Medical expenses include premiums you pay for insurance that covers the expenses of medical care, and the amounts you pay for transportation to get medical care. Medical expenses also include amounts paid for qualified long-term care services and limited amounts paid for any qualified long-term care insurance contract.
Your medical expenses may save you money at tax time, but a few key rules apply. Here are some tax tips to help you determine if you can claim a tax deduction:
You must itemize. You can only claim your medical expenses that you paid for in 2014 if you itemize deductions on your federal tax return. If you take the standard deduction, you can’t claim these expenses.

AGI threshold. You include all the qualified medical costs that you paid for during the year. However, you can only deduct the amount that is more than 10 percent of your adjusted gross income.

Temporary threshold for age 65. If you or your spouse is age 65 or older, the AGI threshold is 7.5 percent of your AGI. This exception applies through Dec. 31, 2016.

Costs to include. You can include most medical and dental costs that you paid for yourself, your spouse and your dependents. Exceptions and special rules apply. Costs reimbursed by insurance or other sources do not qualify for a deduction.

Expenses that qualify. You can include the costs of diagnosing, treating, easing or preventing disease. The costs you pay for prescription drugs and insulin qualify. The costs you pay for insurance premiums for policies that cover medical care qualify. Some long-term care insurance costs also qualify. For more examples of costs you can and can’t deduct, see IRS Publication 502 for Medical and Dental Expenses.

Travel costs count. You may be able to claim travel costs you pay for medical care. This includes costs such as public transportation, ambulance service, tolls and parking fees. If you use your car, you can deduct either the actual costs or the standard mileage rate for medical travel. The rate is 23.5 cents per mile for 2014.

No double benefit. You can’t claim a tax deduction for medical expenses you paid for with funds from your Health Savings Accounts or Flexible Spending Arrangements. Amounts paid with funds from those plans are usually tax-free. This rule prevents two tax benefits for the same expense

One Important Note for the “Sandwich Generation”
The Cost of Adult Day Care be a medical expense deduction or a credit
Adult daycare qualifies as a deductible medical expense. To claim the credit either way, you need the provider’s tax identification number, as well as an accurate total for adult daycare expenses paid during the tax year. If you pay daycare expenses for an adult dependent or a spouse who is physically or mentally unable to care for himself, you can claim a dependent care credit on your taxes. You can claim up to 35 percent of adult daycare costs for one dependent, as long as expenses are no more than $3,000. If you paid more than $3,000, you qualify for a credit of up to 35 percent of $3,000 ($1,050). The actual credit percentage depends on your adjusted gross income.
To qualify you for the credit, the dependent must have resided with you at least half of the tax year. You can also claim the credit if you pay daycare expenses for an individual who lives with you but earns too much money to qualify as a dependent, files a joint return or qualifies as the dependent of another taxpayer. The credit only applies if you need daycare so that you can work.
If you have a spouse or an adult dependent who is disabled, you can count daycare expense as either a dependent care credit or a medical expense deduction. The choice is yours; you just can’t use the same expense for both the credit and the deduction, according to the IRS. If you qualify for either, compare the options to determine which is more beneficial. If you pay $3,000 for care and qualify for a 20 percent tax credit, you reduce your tax burden by $600. On the other hand, you can only deduct medical expenses in excess of 7.5 percent of your adjusted gross income. If you earned $50,000 during the tax year, you don’t get to claim the first $3,750 in medical expenses, so you wouldn’t get a deduction, in this example.
To qualify for the maximum 35 percent deduction, your adjusted gross income must be $15,000 or less. The percentage decreases as adjusted gross income increases, bottoming out at 20 percent for an adjusted gross income of more than $43,000. You must file a joint return if you’re married in order to qualify for the credit.

Personal loans are common across the society since the historic times. These can be broadly categorized as secured and unsecured personal loans. It is easier for everyone to avail unsecured personal loans as compared to the secured ones. The sum of money involved in this category of transactions is usually petite, ranging between hardly a few hundred dollars at the most. In order to avail the type of facility, a borrower, usually, does not need to put up any asset as collateral. As such, the individual’s credit score is hardly taken into account while providing the facility. However, in some instances, lenders charge higher interest rates to borrowers with dismal credit scores, on availing unsecured personal loans.
On the other hand, to avail secured personal loans, borrowers need to put up some asset or the other as collateral. As such, rate of interest involved in this range of loans is usually more reasonable as compared to the other variety. Because of the collateral asset, lenders offer secured personal loans at lower interest rates. Thankfully, both the types of loan allow monthly installments to borrowers to repay the money. In a recent development, a range of registered money lending agencies is readily providing loan to people with bad credit. To avail the unique facility, however, one has to own the clear title of a car, truck, van or SUV. The amount of money disbursed as loan is determined by the condition of a vehicle in question.
The range of loans is steadily gaining prominence and is facilitating life for scores of people by resolving their small economic needs. The unique monetary facility is more popularly called bad credit car loans. Stagnant economy is compelling the corporate sector to downsize its workforce. Lay-offs, unemployment and pink slips are rampant across the industrial domains these days. In short, innumerable folks are suffering from low credit score. Conventional lenders refuse to give loans to these people for obvious reasons. Actually, these folks invariably fail to meet the eligibility criteria of the conventional lenders. Thus, it is indeed an uphill task for these people to secure money to combat unforeseen emergencies.
The best part about vehicle equity loans is it allows users to keep and maintain their vehicles during the loan period. Volume of business for the category of lenders is increasing at an exponential pace. An increasing number of folks who need cash on bad credit unhesitatingly approach these unconventional money lenders. Professionals working in these financial establishments maintain impressive level of professionalism and never reveal their clients’ identities to third-parties.
When the loan is repaid on time, a negligible sum is levied as interest. There is no penalty on early repayment of these loans. As there is no credit check, money is handed over fast to borrowers while availing loans with bad credit. In fact, money is handed over hardly within a few hours of filling the loan application. While availing such facility, it is advisable for the borrower to carry a photocopy of the driving license and a few other relevant documents. However, professionals working in these money lending agencies will definitely provide extensive list of documents that borrowers need to furnish well in advance.

When it comes to declaring bankruptcy in order to avoid paying off government student loans, borrowers must prove that continuing to pay a loan would cause undue hardship. In the 11th Circuit, we have what is commonly known as the Brunner Test.
Outside of the Bankruptcy Courts, an individual may also qualify for a discharge of their student loans. The Department of Education has a set of criteria that constitute what undue hardship actually is, and who is eligible for this type of relief.
If you are considering bankruptcy, it is important to speak with an experienced bankruptcy attorney that also has experience with student loan terms. Prior to meeting with your attorney, here are some of the things that you may want to further discuss.
Undue Hardship Definition
According to the Department of Education, here are the criteria for declaring undue hardship in relation to student loans and bankruptcy.
Veterans that have been considered by the Department of Veterans Affairs to be unable to find employment as a result of a service-related injury.

Whether or not a borrower’s health has changed significantly since the original loan amount was determined.

Whether or not a borrower has tried to pursue other loan terms including Income Sensitive Repayment. If you are attempting to claim undue hardship but have not tried to declare Income Sensitive Repayment or settle on any other loan terms with your lender, a lender may not accept an undue hardship claim.

Whether or not a debtor has filed for bankruptcy due to circumstances out of his control, and whether or not those circumstances will impact the debtor’s ability to repay a loan.

There are many other factors that go into determining whether an undue hardship claim will be accepted as a reason for federal student loan relief. Rather than try and argue this claim on your own, it’s best to speak with a qualified attorney today in order to determine whether or not you can make this claim, and how you can defend this stance.
Defining Undue Hardship
As it stands, Congress has not technically defined what “undue hardship” is. As such, it is often the decision of federal courts to determine whether or not this claim is valid. In order to determine the validity of such a claim, the court system uses two different methods to weigh criteria. These methods are often tricky and do contain a number of different factors. Essentially, it is up to you (the debtor) to prove that you cannot repay a loan without putting yourself into financial ruin – not an easy thing to do.
While it might seem like claiming undue hardship following bankruptcy is the best and fastest way to get out of paying a federal student loan, this is not the case. Most of the time, it’s difficult to make this claim stick, and lenders do challenge every case that is brought forth. So how can you avoid paying a federal student loan if you have no other choice but to declare bankruptcy? Speak with a bankruptcy attorney today to see what your options are, and make sure that you have the right attorney on your side when it comes to fighting your claim in court

The topic of estate planning is misunderstood and wrapped in mystery for most individuals. Easy to understand why. Pop culture has evolved to label estate planning as something only the wealthy need. After all, what images pop into your head when you hear the term estate planning? Rolling estates, mansions and huge bank accounts.
Estate planning at its core is a simple idea. Yes, there are tactics that might seem complicated. However, when you boil down estate planning, it is planning for how the things you own pass on after your death.
What is the number one mistake you can make relating to your estate? Failing to have a plan.
There are many important issues to consider when developing a plan. The least of which is how your assets (your property) will pass on after your death and who will receive them.
The goal of a plan is control. Without a plan, you give up control how your property will be distributed. Without a Will, you shift the decision how your estate will transfer from you to the state.
What can you do to ensure this does not happen? Takes steps today and start a conversation with you and family.
There are professionals who make up a typical estate planning team.
Insurance Agent: An agent might seem an odd place to start. However, your insurance agent is commonly the person who starts the conversation. An agent can also help if products such as life insurance, long-term care or annuities could benefit your plan.
Attorney: An attorney is responsible for developing the legal documents and transfer strategies for your estate. An attorney will draft a will, trust or other estate documents.
Accountant: An accountant aids with potential tax issues. If an individual’s estate is large, there may be tax issues such as federal estate and income taxes. If you plan to give to family or charity, an accountant can help develop a plan that is tax compliant.
Broker: If you own securities, involving your broker in the planning process helps ensure your plan is consistent with your investing strategies.
The process: Once you meet with a professional. They will complete a financial profile. A financial profile lists your assets and offers a snapshot of where you are financially. Next, is discussing how you want your estate to transfer.
Next is involving the other members of the estate planning team. The cost to develop a plan will depend on the level of planning needed. Having a will drafted is the simplest estate plan you can have. A living trust or advanced legal documents will likely increase the cost.
Cost is often the concern that impedes individuals from starting the estate planning process. However, when you consider the cost and complication to your family.
A plan can be complicated or simple. Conversing with a professional can help evaluate potential issues and start the process.
Neither Barry Taylor, Integrated Planning Solutions nor its representatives offer legal or tax advice. The information contained on this page is for informational purposes only and should not be relied upon for tax or legal advice. Consult with your legal or tax adviser regarding your individual situation before making any tax or legal related decisions.

The Internet has changed the way everyone lives and communicates. But it’s so much more than keeping in touch with your family and friends. It can also be used to simplify your financial life. It is a welcome change from the monotony of balancing your checkbook and correcting those antiquated handwritten ledger pages. With online banking at your fingertips it gives even the most dyed-in-the-wool paper trail junkie the opportunity to abandon ship and embrace the digital age and utilize online banking.
Banking online isn’t a new phenomenon and likely the majority of us already do it in one way or another. If you haven’t yet made the transition to online banking and are still searching for more information about the benefits, I’ve put together a list of reasons why you should consider using the Internet to manage your finances.
Bank at your convenience by managing your accounts on your schedule, 24/7. The only thing you need is your computer, tablet or a smartphone with Internet access.
Everyone has experienced his or her financial institution making an error and it’s not always in your favor. Or, I’m sure you have recorded a check incorrectly allowing the payment to fall through the cracks. The beauty of online banking is it allows you to monitor your account balance and pending transactions in realtime. And, since every transaction is recorded, it is possible to go back months to make sure every transaction has been recorded correctly.
Have you ever been late with a bill or has a payment gotten lost in the mail? Paying your bills online is simple, fast and very secure. Just check with your credit union and set up online bill pay.
It’s no longer necessary to wait for your paycheck to land on your desk. Just arrange for direct deposit online so you have immediate access to your money. It may be exciting to see that check up close and personal but the time you save waiting in line at the bank to make a deposit will make up for it.
Do you have people in your life, like kids in college, that need a cash infusion right now? Online money transfers make it easy to send funds wherever they need to go – fast and easy and most of the time free. And, if you have multiple accounts, online transfers give you the convenience of moving funds as needed.
Bank-on-the-go with online banking. Make a deposit, transfer funds or even deposit a check while you are waiting in line at the grocery store.
Go paperless with eStatements. Save time. Save money. Save a tree! Environmentally conscious and security-minded people are choosing to receive eStatements in place of traditional paper statements that can be accessed within their personal online banking from anywhere, anytime.
MoneyDeskTop by MX is designed to put a member’s data on center stage, molding it into a cohesive, intelligible and interactive visualization. MX provides access to a personal financial management software program whereby online banking becomes a “hub” of financial activity. Users aggregate accounts from any financial institution allowing members to track spending, create budgets and manage debt.
Do you want to have a check-free life? With online banking it’s easy to pay people and get paid easier faster and cheaper than using checks.
Be assured that your personal information is protected with online banking. Credit Unions typically use highly sophisticated encryption devices to ensure their members privacy and safety.
Additionally, many credit unions allow their members to apply for accounts, order checks, stop payments, apply for loans and even communicate with them online. Consider all the benefits of having an online relationship with your credit union.

Specifically, captive insurance can help your business clients potentially greatly lower their insurance costs, have more control in managing their insurance, and obtain coverage that might otherwise be unavailable or not affordable. Some forms of captive insurance allow an insured or its assign to maintain an ownership interest in the underlying insurance company. As with any successful business, an owner of a captive can work with his or her advisers to best manage their insurance company. Another potential benefit is that of business and estate planning.
This author stresses that a captive should never be formed unless the primary reason is business purpose. Captives should never be marketed by advisers as “wealth management” or “estate planning” tools. In fact, improper marketing of an otherwise compliant captive can lead to the loss of the captive’s tax status as an insurance company, resulting in taxation and penalties of nearly one hundred percent of premiums.
Yet it is a fact that a successful captive may be useful in business and estate planning. Ownership of a captive may be facilitated by a partnership or trust which is owned, controlled by, or benefits a business owners’ descendants.
As an example, suppose that a business owner (Senior) wants to establish a captive insurance company in order to lower his insurance costs. The insurance company could be owned by a generation skipping trust currently controlled by Senior’s children. The captive’s premiums must be actually verifiable and the coverage must be wholly justifiable. The insurance sold by the captive needs to comport with all relevant statutes from both a regulatory and an IRS standpoint. If the captive’s claims are less than actually anticipated, it may have retained earnings or profits. Depending on the type of captive insurance company, the tax rate levied on underwriting profits can be as little as zero percent. Over time, the insurance company’s profits may be distributed as capital gains, dividends, or even loans to the beneficiaries of the insurance trust. The captive could even provide a funding source for future business opportunities.
The ultimate effect of a compliant and successful captive could be to transfer a portion of the pre-tax premiums from Senior’s business over to Senior’s children, grandchildren, etc., without income, gift, or estate tax. The bottom line for any accountant or wealth adviser is that captives should be looked at as a way to garner significant insurance cost savings with a possibility of secondary benefits.
Again, the author cannot overemphasize the importance that the captive must be designed to and operate as a compliant insurance company. The company must have real losses, real exposure to third party risk, and cannot be in any way an alter ego of or a savings account for the business owner.
Captives can be a tremendous tool helping businesses lower their insurance costs. This author has seen an example of businesses saving millions of dollars in a few short years by properly using captives.
Equally stunning, however, are the adverse tax consequences of an improperly marketed or managed captive. The advisory team chosen for this type work should have many years of captive insurance experience and, ideally, should be supported by a large regional or national law firm.

In this age of technology with millions of online ads, gimmicks, and schemes to make money at home, it is easy to get caught up in the excitement of getting rich quick. The truth is, there is no way to get rich quick, but you can make real money selling hair online.

If you know anything about the world of beauty and fashion, you are aware of this billion dollar industry and weaving hair is used by all nationalities, men and women, even children. Yes men — stylists have made it possible for men with fading or complete hair loss to gain hair and beards with special applications and techniques.

HOW MUCH CAN BE MADE:

The big question is how much money can be made? Well this is a question that is asked by anyone starting a business, right! The answer is you can make as little or as much as you can promote? What does that mean? Well, do you have a large social media following? Are you a stylist a large clientele? Do you have a website or a blog that sells products? Are you just a smalltime, work at home girl doing hair on the side? If you answered “yes” to any of these questions, it is possible for you to make real money selling hair without even leaving your home. You promote your website, have your clients order their hair and you reap the benefits.

HOW DOES IT WORK:

With so many different types of hair, it can be overwhelming for individuals to choose. Budget can be another factor in choosing hair. But let’s take a look…

When you walk into your local hair store, you see the cheapest hair upfront or in clearance boxes on the floor, right! But have you noticed how the best hair is either behind the counter or enclosed in locked cabinets. That’s right, people do steal hair! The quality is everything. You will be selling the type of hair that is locked up or kept behind the glass enclosure.

Now that hair kept under lock and key is there for a reason – it’s expensive. While that $9.99 per bundle pack looks appealing, and is always first choose for individuals on a budget, it is your job to convince them that the better quality hair will last longer and can be used multiple times. So how can this be done?

Well there are a number of ways. The best way, once you convince them your product is the best, offer a three payment plan. They can make three payments and when the third installment is paid you can order the hair and perhaps offer a discount on the install.

Another way is to explain how long the hair will last. Spending $75.00 on hair every 3-4 weeks is far more expensive than spending $145-160 and having it last a month or two.

Lastly, your clientele may be those that know about quality and require no convincing. You just direct them to your site, have them place the order and they can bring the hair when they come for their appointment.

Regardless of how the order is placed, one of the great perks that is always offered is a 15% discount when you order three or more bundles. This is a great incentive for your customers and should be marketed as such.

WHAT ARE THE BENEFITS:

So now let’s move on to the good stuff, the benefits and perks of signing up with such a great company. Keep in mind this is not your ordinary wholesaler where you order hair in bulk and have to store it yourself in order to get a discount. It is also not a drop shipper where you have a pay a 2-3% fee each time you want to place an order.

The truth is, it costs you absolutely nothing to get started and at no time do you have to touch the hair, handle shipping or returns, store hair or worry about customer inquiries. This is all done by the company.

Take a look at some of the benefits for yourself:

To sign up, you will only need to provide your name and telephone number – a representative will contact you.
Once accepted, you will create a name for your website and one will be created specifically for you. The website is totally free, no hosting fees, no technical knowledge needed.
You’ll receive 30% off your first order with a promo code that will be sent to you after you register as a stylist
You are paid 15% commission from every sale and get paid every Wednesday. You can be paid via direct deposit through PayPal, Venmo or paper check.
For every $600.00 worth of sales, or if you refer a stylist who makes at least $100.00 in sales, you will receive $100.00 in hair credit. This can be used to buy bundles for yourself or offer extra incentives for clients such as an additional $10, 15, 20 off of their next purchase.
Offer your customers one of the best guarantees ever — The 30 Day guarantee offer means you can wear it, dye it, flat iron, etc. and if you do not love your hair, it can be exchanged within 30 days of purchase. Yes, it’s true! If you simply do not like the hair, which I doubt, you can return any unopened packages for a full refund. Hair must be in the original packaging and condition. How many companies can offer that type of guarantee?
There are multiple options for your clients including 100% virgin Brazilian and Peruvian: Straight, Yaki, Kinky, Wavy, Water Wave, Deep Wave, or Curly. There are also 360 Frontals, Closures, Dyed Hair, Closures, Clip-Ins, Tape-Ins, and the new addition of wigs for those clients who do not want sew-ins.
With some many selling options, you are not limited to just weaving hair. Promote wigs, go hard with a 360 frontal, and even the dyed hair. The more you promote the better your sales will be.

So are you ready to make real money selling hair online? All you have to do is visit the site, submit your name and number and a representative will contact you. From there, if you are accepted (you must be a stylist with a clientele and have experience with hair. This could be at home, in a salon, or even a traveling stylist), you will provide your website name and your website will be setup.

Once up and running, you can use the marketing materials, order samples to show customers or even take advantage of the super discount and use yourself as a model for the great hair you will be offering. In addition, you can bring others on and earn additional income.

This business model is a win/win for the customer and client. Stop letting your clients give their money to someone else and get it all by sending them to your website today.